Scrambling to enhance security in the wake of potentially the
worst data breach ever, Heartland Payments Systems has embarked on
a project to enable data encryption through the entire processing
system, starting at the POS.

However, French electronic payment terminal
developer Ingenico’s just-launched solution On-Guard suggests that
the US payments processor may at least in part be reinventing the
wheel.

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Available on terminals sold by Ingenico in
North America, On-Guard seemingly does what Heartland aims to
do.

According to Ingenico, On-Guard secures the
primary account number and personal information on a magnetic
stripe card by encrypting selected information from point of entry
(card swipe) to the merchants host and/or payments processor
directly.

Once received at the merchant’s host, Ingenico
supplies a decryption service so the merchant can utilise the data
for their approval and settlement purposes with their transaction
processor.

Crucially, On-Guard requires no change to a
merchant’s transaction processor’s system.

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“Ingenico has taken the lead in producing a
solution that will cause the least amount of disruption to the
merchants business as well as one that is based on industry
recognised and supported standards,” said Ingenico North America
senior vice-president, sales and marketing, Lisa Shipley.

In developing On-Guard Ingenico selected
MagneSafe, a security solution supplied by US card and cheque
processing equipment developer MagTek. Required software is
downloaded into a transaction terminal without the need to swap the
PIN pad for key injection.